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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $188,266 | $93,598+101.1% | $135,974+38.5% | $75,173+150.4% |
| Participation rate | 52.5% | 75.2%-22.7pp | 81.9%-29.4pp | 67.2%-14.7pp |
| Annual return | 16.30% | 30.89%-14.6pp | 68.30%-52.0pp | 160.72%-144.4pp |
| Employer contribution / active EE | $2,288 | $3,538-35.3% | $4,859-52.9% | $2,671-14.4% |
| Participant deferral / active EE | $5,546 | $6,405-13.4% | $7,760-28.5% | $4,126+34.4% |
| Admin fee / account holder | $10,205 | $6,978+46.3% | $10,767-5.2% | $5,651+80.6% |